Cosy meal. Free wine. Rethink dining. Powered by Citi.

Brave the cold and be rewarded with free award winning wine when you dine, and pay with any Citibank card, at Citibank Dining Program partner restaurants. Three simple steps to enjoying your free wine 1. Mention you're a Citibank cardholder when you book or order at a partner restaurant 2. When you order, pick your bottle of either red or white wine from the selection provided by the waiter 3. Pay for the meal with your Citibank card Some of our partner restaurants Ormeggio at the Spit Mosman, NSW 02 9969 4088 ormeggio.com.au Cuisine: Italian Orchards Restaurant North Ryde, NSW 02 9491 9532 marriott.com.au Cuisine: Modern Australian and International Cuisine Le Kiosk Shelly Beach, NSW 02 9977 4122 lekiosk.com.au Cuisine: Contemporary Australian Nine Dragons Sydney, NSW 02 9211 3549 Cuisine: Cantonese Public Brisbane, QLD 07 3210 2288 lovepublic.com.au Cuisine: Small Plates (Tapas) Delizioso on Oxford Bulimba, QLD 07 3399 9813 deliziosorestaurant.com Cuisine: Italian Tartufo Restaurant and Bar Fortitude Valley, QLD 07 3852 1500 tartufo.com.au Cuisine: Italian Watermark Docklands, VIC 03 9642 1880 watermarkdocklands.com.au Cuisine: Italian Cafe Di Stasio St Kilda, VIC 03 9525 3999 distasio.com.au Cuisine: Italian Raj on Taj Parkside, SA 08 8272 3377 rajontaj.net.au Cuisine: Indian Jackson's Restaurant Highgate, WA 08 9328 1177 jacksonsrestaurant.com.au Cuisine: Contemporary Australian Petit Mort Shenton Park, WA 08 9388 0331 petitmort.com.au Cuisine: Modern French Become a Citibank customer to enjoy the benefits of the Citibank Dining Program and much more. Credit Cards Citibank Rewards Credit Card - Platinum 1.5% p.a. for 15 months on balances transferred1. Learn more • A low introductory rate of 1.5% p.a. for 15 months on balances transferred1. After the introductory period, the rate will revert to the cash advance rate1 • 1.25 points per $1 spent on purchases in Australia and 3 points per $1 spent on international purchases, up to 250,000 points every year with Citibank's Rewards Program3 • A free bottle of award winning wine every time you dine, and use your card to pay, at partner restaurants with Citibank Dining Program4 • A range of complimentary insurances including International Travel Insurance, Transit Accident Insurance, Extended Warranty, Purchase Cover and Guaranteed Pricing Scheme2. Apply Now Bank Accounts Citibank Plus every day account Citibank Plus provides you with much more than a totally fee free everyday bank account. You'll enjoy free wine,extensive global benefits and fee free access to one of Australia's largest ATM networks. Learn more Apply now and start enjoying: • An everyday bank account that is totally fee free, no catches. • Fee free withdrawals at over 3,000 Citibank, Westpac, St.George, BankSA and Bank of Melbourne branded ATMs nationwide. • A free Visa Debit card, so you can shop in-store, online, or overseas using your own money. • Free international money transfers from Australia to any account, anywhere in the world. • Secure banking anytime, anywhere through online, mobile, tablet or phone banking. • A free bottle of award winning wine every time you dine, at hundreds of partner restaurants with the Citibank Dining Program^. Apply Now Home Loans Citibank Mortgage Plus Let your largest investment open the door to greater deals and rewards. Learn more Make the most of being a Citibank Home Loan customer, and enjoy a range of our rewarding financial products, plus great discounts and fee free packaging, with your choice of a Citibank Mortgage with any eligible Citibank Credit Card with zero or reduced annual fees and Citibank Plus everyday account. Citibank Mortgage Plus is available for home loans over $150,000. With Citibank Mortgage Plus, one package fee means: • High-deposit home loans are rewarded with lower interest rates1 • Ensuring certainty in your repayments with our competitive fixed rates and save with our free 60-day rate lock2 • Free online redraw on the Standard Variable and Standard Offset Loans. Contact Us Personal Loans Citibank Ready Credit - Fixed Payment Option A simple and economical way to make your dreams reality with a special introductory Fixed Payment Option of 12.99% p.a. for 3, 4 or 5 years1, plus no annual fee. Learn more Additional benefits • No annual fees • No early payout fees • A low one off $69 establishment fee2 • A generous credit limit up to $30,0003 • Unsecured line of credit - use it however you want • Fixed repayments so you stay in control of your budget • Redraw facility - you can also access more funds as part of your credit limit at the standard variable Annual Percentage Rate4. • Citibank's Dining Program - a free bottle of award winning wine every time you dine with our partner restaurants^ Security • Ready Credit - Fixed Payment Option gives you complimentary purchasing security5 through: • Purchase Cover Insurance - protection against loss, theft, or accidental damage over a wide range of new personal goods purchased anywhere in the world, when purchased with your Visa Debit Card • Extended Warranty Insurance - extends the warranty on personal goods purchased, when purchased with your Visa Debit Card • Guaranteed Pricing Scheme - if an item you purchase with your Visa Debit Card later goes on sale elsewhere, you may be eligible for a refund of the price difference. Conditions apply. Apply Now Other Citibank products Citibank distributes a range of insurance products, which whilst they don't offer the Dining Program, complement our suite of credit and banking services above. Insurance Life | Home | Car | Travel | Business | Credit Card Protect your lifestyle and financial goals. Citibank distributes a range of competitive insurance solutions for when you need them. Learn more Easy to use and understand, Citibank's Insurance solutions provide the peace of mind that comes from knowing the future, for you and your family, is secure. Citibank has a range of options available that provide flexible cover, designed to suit your needs, lifestyle and budget. Citibank distributes: • Life, Accident and Critical Illness • Income Protection • Home Building & Contents and Investment Property • Car and Boat • Business • Credit Card, Personal Loan and Mortgage Repayments. Visit citibank.com.au/insurance for more information. Important information Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer. © 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc. Important information ^Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer. Citibank Rewards Credit Card - Platinum 1. Your total balance transfers may not exceed 80% of your credit limit. The 1.5% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 15 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for cash advances, currently 21.74% p.a. The current Annual Percentage Rate for retail purchases is 20.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 April 2013. This offer ends 20 November 2013. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. 2. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Guaranteed Pricing Scheme Insurance and Purchase Cover Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No.232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance. 3. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. 4. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer. Citibank Plus Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ('Citibank'). The Terms and Conditions that apply are available on request. Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to www.apra.gov.au or call 1300 55 88 49. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931. 1. Non-Citibank and non-Partner* ATM owners may charge you a fee for use of their ATMs. Partner ATMs include Westpac branded, St. George, Bank of Melbourne and Bank SA ATMs within Australia. Citibank Mortgage Plus Fees and charges apply for our credit card and home loan products, and terms and conditions apply and are available upon request. Home loan offers apply to residential loans only. Loans are subject to Citibank Credit Criteria. Rates and rate reductions offers are available for new loans only and are subject to change without notice. Establishment fees and, where applicable, legal fees apply. The Citibank Mortgage Plus package is not offered with Basic Variable loans or stand alone Standard Fixed Rate loans. The Citibank Plus Transaction Account is not mandatory if you have a Standard Variable Offset Mortgage. Only applicable for new Mortgage Plus package home loan applications received by Citibank from 14 May 2012, with an LVR less than or equal to 80% and a loan amount greater than or equal to $150,000. Offer is available for a limited time and can be withdrawn at any time without notice. This promotion cannot be combined with any other offer or discount. Other terms and conditions apply. Annual package fee of $350 as at 1 July 2010 and subject to change without notice. 1. Discounts are dependant on loan amount and Loan to value ratio. Fee waiver vouchers cannot be used in conjunction with the Mortgage Plus package. 2. Fixed rates quotes are held 60 days from the day the application is submitted. If settlement occurs after the 60 days, the prevailing fixed rate will apply. Citibank Ready Credit - Fixed Payment Option Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. 1. (a) This offer is subject to our credit criteria and your existing accounts with us being in good order at the time of processing. (b) Your Fixed Payment Option amount uses part of your existing credit limit. As this is not additional credit, there is no change to your existing credit limit. As you pay off your Fixed Payment Option amount, the amounts you pay off will become available for you to use again as part of your credit limit. (c) The date of purchase must be within three months from card activation. To be eligible, the purchase must be made using this account; it must be a single transaction on your account and for an amount of $500 or more. You need to tell us about the transaction and request the Fixed Payment Option before the current statement date which the transaction appears. Please allow at least two working days from date of purchase before requesting the transfer. (d) If you fail to pay the Monthly Instalment by the Payment Due Date, this instalment amount will be charged at the standard interest rate. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate. (e) For the full terms and conditions of your Fixed Payment Option, please refer to the Unsecured Revolving Credit Terms and Conditions. 2. $69 establishment fee will be debited to your Account on the first use of your Account (including Card activation). This fee will appear on your first statement of Account. 3. A credit line of between $5,000 and $30,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year. 4. The Citibank Ready Credit standard variable Annual Percentage Rate is currently 18.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 August 2012. 5. Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance. Citibank Insurance Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ("Citibank") is the distributor of insurance products. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Before making a decision please read the relevant Product Disclosure Statement available at citibank.com.au/insurance. © 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. 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